What kind of insurance is Yi Kangbao?

Yikangbao is an inclusive supplementary medical insurance, which was introduced by Wenzhou Municipal Government. Yikangbao can make a second reimbursement on the basis of medical insurance, mainly covering medical expenses inside and outside medical insurance and some specific drug expenses. There is no age limit, occupational and health status limit, the only requirement is that the insured must be the local basic medical insurance. The advantages of Yikangbao are low insurance threshold, low price and high insurance coverage. _

Wenzhou Yikangbao is actually a national commercial supplementary medical insurance product, which is underwritten by commercial insurance companies and guided by government departments. Its insurers include PICC P&C Insurance, China Life Insurance, Pacific Life Insurance, Ping An Pension and Dida Insurance. The guiding units are Wenzhou Medical Insurance Bureau, Wenzhou Finance Bureau, Wenzhou Agriculture and Rural Bureau, Wenzhou Finance Bureau, Wenzhou Municipal Government Finance Office, Wenzhou Taxation Bureau of People's Republic of China (PRC) State Taxation Bureau, and Wenzhou Supervision Branch of China Banking Supervision Administration. _ This is a Huimin medical insurance product, so the insurance requirements are very relaxed, regardless of age, occupation and health status. You can apply for insurance even if you are sick, and you can also pay for the expenses within the scope of responsibility caused by illness in the past. The only requirement is to participate in Wenzhou's basic medical insurance.

1. At present, with Wenzhou gradually entering an aging society, the incidence of chronic diseases and serious diseases continues to rise, and the burden of self-funded medical expenses for patients is still heavy. Since last year, the Central Committee of the Communist Party of China, the State Council and provincial governments have successively issued relevant documents to deepen the reform of the medical security system, proposing to accelerate the development of commercial health insurance, enrich the supply of health insurance products, and meet the diverse medical security needs of the masses.

Second, the establishment of commercial supplementary medical insurance covering the whole people is conducive to improving and perfecting Wenzhou's multi-level medical security system, enhancing people's awareness of health risks and mutual assistance, helping to resolve the medical burden of insured patients and preventing poverty due to illness. Based on this background, according to the work arrangement of the provincial medical insurance bureau and the municipal government, and drawing lessons from the advantages and advantages of similar products in various places, the Municipal Medical Insurance Bureau actively started to work with relevant departments to carry out the construction of commercial supplementary medical insurance system, relying on the credibility of the government's system to guide, give full play to the professionalism and flexibility of commercial insurance, and develop supplementary medical insurance products that meet the needs of Wenzhou people.

Three. Prepare and promote the establishment of a special class to set up a special class for Wenzhou national commercial supplementary medical insurance leaders, with the deputy mayor in charge as the team leader, the deputy secretary-general and the director of the Municipal Medical Insurance Bureau as the deputy team leader, and the heads of relevant departments such as the Municipal Finance Bureau and the Agricultural and Rural Bureau, as well as the leaders in charge of the governments of counties (cities, districts) as members, which strengthened the organization and coordination, and the cities and counties jointly promoted. Adhere to the principles of fairness, openness and justice, and select five insurance companies with strong comprehensive strength, excellent service ability and good business reputation, such as PICC P&C Insurance in China, to undertake commercial supplementary medical insurance in the form of co-insurance. Using carefully designed products, the data of medical insurance expenses and self-funded medical expenses in Wenzhou in recent years were calculated for several rounds, and the deductible line, reimbursement ratio and compensation capping line were reasonably set. The product design embodies the principle of critical illness protection, which is expected to effectively solve the problems of poverty caused by illness and returning to poverty due to illness. The payment standard is per person per year 180 yuan. Considering the economy and sustainability of insurance, the maximum compensation amount can reach 3.65 million yuan, and the overall level of protection is leading in the province.